Employer benefits builder
Build Your Group Plan
Design a group health plan for your team in seconds. Set your headcount, average age and base sum insured, then switch riders like maternity, OPD, top-up and personal accident on or off — the estimated per-employee and company cost updates live as you build.
Configure your plan
Results update live as you build. All figures are indicative.
Everyone you want to cover under the group policy.
What each add-on brings to the plan
Your base plan covers hospitalisation up to the sum insured you pick. Every rider you switch on layers an extra benefit — and an extra indicative cost — on top. Here is what each one does and the typical per-employee, per-month range before your team's age profile is applied.
| Add-on | What it covers | Indicative / emp / mo |
|---|---|---|
| Maternity cover | Normal & C-section delivery, plus newborn care | +₹120 – ₹260 |
| OPD & wellness | Doctor consults, pharmacy & diagnostics without hospitalisation | +₹80 – ₹180 |
| Top-Up / Super Top-Up | Extra cover above the base sum insured for big claims | +₹60 – ₹140 |
| Critical Illness | Lump-sum payout on diagnosis of a listed illness | +₹70 – ₹160 |
| Group Personal Accident | Accidental death & disability cover | +₹15 – ₹45 |
| Parental cover | Extend the policy to employees’ parents / in-laws | +₹250 – ₹600 |
| Day-1 / no waiting period | Waive waiting periods for pre-existing & specific conditions | +₹40 – ₹110 |
Want to understand the mechanics first? Read our guide to group health insurance riders, and the explainer on Top-Up and Super Top-Up cover.
Why build your plan with Onsurity
Traditional group insurance means an annual lump-sum and a fresh negotiation every time a member joins or leaves. Onsurity replaces that with a transparent per-employee, per-month subscription — a real monthly figure, not an annual bill split twelve ways — and lets you add or remove members mid-cycle as your headcount moves.
Every rider in this builder — maternity, OPD, top-up, critical illness, personal accident, parental cover and Day-1 waivers — bundles into one plan with group health insurance, so your team gets everyday value, not just a payout after the worst happens.
When a claim does arise, settlement is cashless at 10,000+ network hospitals, and HR manages every cover, member and claim from one dashboard.
This is an indicative estimate, not a quote
The figures above are directional only and do not constitute a quote, an offer, or a contract of insurance. Actual premiums depend on the age profile of your team, location, chosen sum insured and riders, claims history, policy terms and the insurer's underwriting. Rates and cover are subject to the policy wording and IRDAI-approved terms. For a firm, binding price, request an exact quote.
Frequently asked questions
It is an indicative estimator, not a quote. Each cover and rider shows a realistic per-employee, per-month band based on typical group rates. Your actual price depends on your team’s exact age profile, location, claims history, the insurer’s underwriting and the specific policy wording — so treat the total as a directional budget, then request a firm quote to lock the number in.
A rider is an optional benefit bolted onto the base policy — maternity, OPD, critical illness, personal accident and so on. A Top-Up or Super Top-Up is a specific kind of rider that adds an extra layer of sum insured above your base cover, so a single large hospital bill can draw on both. In this tool each toggle you switch on adds its own indicative cost to the running per-employee figure.
Maternity and OPD are the most requested because employees use them often, which makes the benefit feel tangible. Group Personal Accident is popular as a low-cost addition. Parental cover is valued but is the most expensive rider because parents are older and claim more. Day-1 cover (waiving waiting periods) is common when a team wants pre-existing conditions covered from the start.
Traditional group insurance demands an annual lump sum. With Onsurity you pay a transparent per-employee, per-month subscription and can add or remove members mid-cycle as your headcount changes — no year-long lock-in, and no re-negotiation every time someone joins or leaves. That is why this tool shows the estimate as a monthly figure.
Older members statistically claim more often and for higher amounts, so insurers price group health against the age profile of the covered group. This tool applies a simple multiplier to the base and rider rates as you move up the age bands, which is why the same plan costs more for a 50+ team than an under-30 one.
Ready to move from estimate to exact price?
Share your headcount and the riders you picked, and we'll return a firm, IRDAI-compliant group health quote — priced monthly, with the flexibility to add or remove members whenever your team changes.
Get this plan priced